You probably picked the wrong board to ask the question....
Couple of things: One of the guys just bought an XD. He is a very good shooter (IDPA) with a fast draw. He was drawing his new XD from the "free" holster and turned and said "this holster SUCKS." I told him "There's a reason it's free." If you just need something to "tote" the holster at the range, the free one is probably okay. For me, a good holster and good mag pouches add to the pleasure of owning and carrying the pistol. With the exception of ONE 1911 mag holder, I regret every penny I ever spent on cheap holsters and mag holders.
Which gun? Try the trigger, including re-set, on both. Shoot them if you can.

Couple of things: One of the guys just bought an XD. He is a very good shooter (IDPA) with a fast draw. He was drawing his new XD from the "free" holster and turned and said "this holster SUCKS." I told him "There's a reason it's free." If you just need something to "tote" the holster at the range, the free one is probably okay. For me, a good holster and good mag pouches add to the pleasure of owning and carrying the pistol. With the exception of ONE 1911 mag holder, I regret every penny I ever spent on cheap holsters and mag holders.
Which gun? Try the trigger, including re-set, on both. Shoot them if you can.